FinClick UA

1. Introduction

FinClick is a Ukrainian online lending service operated by LLC “ІНВЕСТМЕНТ ФІНАНС ГРУП”. It is a direct non-bank lender, not a bank, not a broker, and not an employer salary-advance platform. The official site presents it as a fully digital credit service with automated scoring, remote identification, electronic signing, and payout to a personal bank card. The current public site also shows the company’s support contacts, address in Kyiv, and a March 2024 registry extract referenced in the footer.

The key structural point is that FinClick is not a classic short payday loan for 7–30 days. The current public product page describes a term of up to 364 days, with a visible first-period pricing model of 0.01% interest plus 0.91% daily servicing commission, and the site also says the agreement includes a one-time service commission in addition to the daily servicing charge. That makes the product closer to a longer digital consumer loan than to a simple “borrow until salary day and repay once” microloan.

Its strongest points are speed, a light document set, full online processing, and several repayment channels. Its weak points are cost, the servicing-commission model, and a harsh overdue regime shown in the site’s warning section.

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2. What kind of organization is this

FinClick is operated by LLC “ІНВЕСТМЕНТ ФІНАНС ГРУП”, EDRPOU 36413053. The official site footer names that company directly, gives the address 04071, Kyiv, 4-V Verkhniy Val Street, entrance 1, floor 2, offices 9–14, and says the company provides services online through electronic transactions. The same footer shows a registry extract dated 07.03.2024 No. 27-0026/18063 confirming financial-company activity with the right to provide funds on credit.

This is a financial company / MFO-type lender, not a bank. The service is aimed at retail borrowers in Ukraine who want fast online access to a relatively small amount without income certificates, guarantors, or branch visits. The public site stresses remote service, automated scoring, and direct card payout.

Operationally, FinClick is online-only in the reviewed public materials. I did not find a branch-cash issuance model on the official pages reviewed here. The site instead focuses on remote application, BankID-based verification, SMS signing, and online repayment.

3. How the service works

FinClick’s current public product page describes one main retail format for individuals. The visible parameters on that page are:

Item

Publicly visible current terms

Amount

around 5,000 UAH initially, up to 8,000 UAH for repeat clients

Term

up to 364 days

Pricing

0.01% interest per day plus 0.91% daily servicing commission on the visible promo page

Documents

passport, tax ID, active personal bank card, mobile phone

Age

18–65

Process

fully online

The same page also says the agreement contains both a one-time service commission and a loan-servicing commission, and that all such parameters are disclosed in the contract and shown in the calculator.

That means FinClick is not just “0.01% per day.” The public site itself says that the displayed price includes interest plus servicing commission, and that there may also be a one-time service commission. This is the single most important practical point for a borrower comparing offers.

Application processing is fast. The site says the automated system usually makes a decision in 5–15 minutes, and that after approval and SMS signing the money is transferred to the card within a few minutes, often up to 5 minutes.

4. How to get a loan

The public step-by-step flow on FinClick is unusually clear.

First, the borrower chooses the amount and term in the online calculator. The public page describes selecting the sum and a term up to 364 days.

Second, the borrower fills in the online application. The site says the application asks for full name, tax ID, phone number, and email address, and that mistakes in the form may cause rejection.

Third, the borrower passes identity verification. FinClick says the fastest way is BankID NBU, which transfers identity data through a protected channel and auto-fills part of the questionnaire. The site also says the service is designed around no calls to employers and mostly no manual phone verification in routine cases.

Fourth, after a positive decision, the borrower reads the agreement in the personal account and signs it electronically by entering the one-time SMS code. After that, the funds are transferred to the specified card.

The process is mostly automated. FinClick repeatedly describes its scoring as automatic, says the system analyzes credit history and income stability in the background, and says borrowers receive a result in real time or close to it. That points to automated approval for most cases, with no evidence in the reviewed pages of a branch-style manual underwriting process.

The service is open to borrowers with weaker credit profiles, but not on a guaranteed basis. FinClick says it uses a more flexible scoring system than banks and that poor credit history does not automatically block approval, while also explicitly stating that no legal lender can guarantee 100% approval.

5. Loan requirements and eligibility

The current public borrower requirements shown on FinClick’s official pages are:

Requirement

Publicly stated by FinClick

Age

18–65

Citizenship

Ukraine

Documents

passport and tax ID

Card

active bank card from a Ukrainian bank, in the borrower’s name

Phone

active mobile number

Email

required in application

Official employment

not required

Income certificate

not required

Guarantor

not required

The “credit without calls” and “credit without photo” pages both say borrowers must be 18–65, have a valid passport and tax ID, an active bank card, and a mobile phone. The main product page adds that the card must be issued in the borrower’s name.

FinClick does not require official employment. The official site says income certificates are not needed, that a stable income source matters more than formal employment, and that guarantors are not required. That means self-employed and informally employed borrowers may apply, but repayment ability still matters inside the scoring model.

6. Loan terms and conditions

The current public product page shows these core terms:

Loan feature

Current public page description

Public amount band

about 5,000 UAH, with up to 8,000 UAH for repeat clients

Term

up to 364 days

Interest

0.01% per day on the visible promo product

Servicing commission

0.91% per day

Extra fee

the site says the agreement also contains a one-time service commission

Age band

18–65

APR disclosure

referenced in the agreement and “essential characteristics” materials, but not fully surfaced in the visible snippet

The major issue is that the site’s visible retail page does not present a clean single-table APR or total cost figure directly in the public text snippet I reviewed. It says those figures are disclosed in the contract, calculator, and linked disclosure documents. That means exact APR and total borrowing cost may vary by the live offer and should be checked in the pre-contract disclosure before signing.

This is important because the public product model is commission-driven. On the visible offer, the borrower pays not just interest, but also a daily servicing commission and possibly a one-time service commission. That can make the real cost much higher than the 0.01% headline suggests.

Late payment penalties

FinClick’s public warning section is unusually explicit. It says that if the total credit amount does not exceed one minimum wage at the date of contract signing, the borrower owes a penalty of 50% of the overdue obligation for each day of delay, starting from the first overdue day. The same warning also says borrowers who are part of a loyalty program lose access to the reduced rate if they default, and that the lender may involve a collection company.

The same warning section also cites Article 625 of the Civil Code of Ukraine, stating that in overdue cases the borrower may owe 365% annual interest on the overdue sum plus inflation adjustment, although the site notes that this specific liability does not apply during martial law, emergency status, and 30 days after their end.

Extension / rollover

FinClick’s public warning says that if the agreement provides for extension/prolongation, the borrower may initiate prolongation without worsening the previous contract terms for the consumer, and with clear indication of the terms that change. The wording matters: the site does not say every contract always includes prolongation. It says that where prolongation is provided, it should not worsen prior conditions. That is a cautious but usable consumer rule.

Early repayment

FinClick’s FAQ says early repayment is allowed. The repayment page states that the borrower can fully close the debt before maturity, and that both interest and commission are charged only for the actual period of use. That is a meaningful advantage.

7. Supported payout methods: how users can receive the loan

FinClick is primarily a bank-card lender. The public pages say funds are sent directly to the borrower’s bank card from a Ukrainian bank, including cards from PrivatBank, Monobank, Oschadbank, and others. The card must be active and issued in the borrower’s name.

Receiving method

Status

Bank card

Supported

Bank account via linked card account

Supported in practice

IBAN/local transfer as separate consumer option

Not clearly marketed

E-wallets

Not shown

Mobile wallets

Not shown

Cash pickup

Not shown

The site does not describe third-party-card payout as a standard option. The safe practical assumption is that the payout card must belong to the borrower.

8. Supported repayment methods: how to repay the loan

FinClick’s repayment page is stronger than average and gives practical detail. The site says borrowers can repay in three main ways:

1. Online payment in the personal account

2. Bank transfer

3. Cash payment through terminals

The FAQ section further clarifies the details.

Repayment method

Supported

Practical note

Personal account on website

Yes

Fastest option; posting is instant

Bank transfer / internet banking

Yes

Must use contract requisites; may take up to 3 banking days

Cash through terminals

Yes

EasyPay workflow shown on official page; posting is instant

Card repayment

Yes

Through the personal account

Cash desk / branch payment

Not presented as branch service, but bank transfer at a bank branch is supported

Mobile app

Not clearly promoted in the reviewed public pages

The personal-account method is described as the easiest and fastest. The repayment FAQ says the money is credited instantly, but warns that the payment service charges a commission on the payment amount.

The bank-transfer method requires the borrower to use the requisites specified in the contract. FinClick says the payment purpose must include full name, tax ID, and contract number, and that posting may take up to 3 banking days. It also warns that the borrower’s bank may charge an additional fee.

The terminal method is described through EasyPay. The borrower goes to the Banks and Financial Services category, selects FinClick, and identifies the debt using either the tax ID or the phone number linked to the active agreement, then confirms the current mobile number. The site says terminal payments are credited instantly and, in the described terminal scenario, without commission.

The site does not just imply that receipts are useful. The repayment section’s practical instructions and delay warnings make it clear that keeping proof of payment is sensible, especially for bank transfers.

9. Advantages and disadvantages

Advantages

Disadvantages

Fast automated processing

Real cost is higher than the 0.01% headline suggests

Full online flow

Public page does not surface one simple APR table

No income certificate required

Includes daily servicing commission and one-time service commission

Card must match borrower name, reducing fraud risk

Overdue regime is harsh

Instant posting in personal account and terminals

Collection-company involvement is explicitly disclosed

Transparent repayment instructions

Product is easier to misunderstand than simpler short-term loans

FinClick is operationally efficient and unusually clear about repayment logistics. Its main weakness is not access. It is cost complexity.

10. Who this service may suit

FinClick may suit a borrower who needs urgent online money, has a Ukrainian bank card in their own name, wants a quick and mostly automated process, and is confident they can repay on time. It may also suit people who value a no-branch process and simple documentation.

It is a weak fit for anyone seeking cheap credit, anyone likely to miss payment dates, or anyone who sees 0.01% and assumes the whole product is almost free. It is also a weak fit for borrowers who need a very flexible long-term loan but are not ready to examine the commissions in detail.

11. Risks and important things to check before applying

The first risk is the real total cost. FinClick’s visible retail page openly says the product includes interest, a daily servicing commission, and also a one-time service commission in the agreement. That is far more important than the headline promo rate.

The second risk is late-payment cost. The public warning describes very aggressive penalty mechanics, especially for smaller-credit contracts that fall below the minimum-wage threshold. A borrower who is unsure about repayment timing should treat that as a major caution signal.

The third risk is payment timing. Bank transfers can take up to 3 banking days, while account and terminal payments are instant. Choosing the wrong repayment method too close to the deadline can create avoidable problems.

12. Customer support and communication channels

FinClick’s current official support channels are:

• care service: 0 800 205 353

• overdue-debt service: +380 97 200 01 97, +380 50 469 56 55, +380 63 835 58 59

• email: info@finclick.com.ua

• care-service hours: Mon–Fri 09:00–18:00

• financial services: remote, 24/7

• overdue-debt regulation: Mon–Fri 09:00–18:00

That is a stronger support layer than many thinner MFO sites, especially because it clearly separates general support from overdue-debt handling.

13. FAQ

What is FinClick?

FinClick is a Ukrainian online lending service operated by LLC “ІНВЕСТМЕНТ ФІНАНС ГРУП”, a licensed financial company.

Is it a direct lender or a broker?

It is a direct lender. The site footer identifies the creditor itself and does not present FinClick as a loan-comparison or brokerage platform.

How fast can I get money?

Usually 5–15 minutes for the decision and up to 5 minutes after signing for the card transfer.

What documents do I need?

Passport, tax ID, active mobile number, email, and an active bank card in your name.

Can I get a loan with bad credit?

Possibly. FinClick says it uses a more flexible scoring model than banks and does not guarantee approval for everyone.

What payment systems are supported for receiving money?

The site clearly supports bank cards issued by Ukrainian banks.

How can I repay the loan?

Through the personal account, by bank transfer, or in cash through terminals such as EasyPay.

What requisites do I need for repayment?

For bank transfer, the payment purpose must include full name, tax ID, and contract number. For terminal payments, the system identifies the debt by tax ID or registered phone number.

Can I repay early?

Yes. The site says early full closure is possible and that interest and commission are charged only for the actual usage period.

What happens if I miss the due date?

Penalties may apply from the first overdue day, you may lose the reduced loyalty rate, the lender may involve a collection company, and your credit history may be affected.

Can I extend the loan?

The public warning says that where the contract provides prolongation, the borrower may initiate it without worsening the previous terms. The exact availability depends on the contract.

Is the first loan interest-free?

No. The visible promo rate is 0.01% interest per day, but the same public page shows a 0.91% daily servicing commission and mentions a one-time service commission in the agreement.

Can I receive money on someone else’s card?

The reviewed public pages indicate the payout card should be in the borrower’s name.

How do I contact support?

Through 0 800 205 353, the overdue-debt service numbers, and info@finclick.com.ua.

Is FinClick safe to use?

It is a real licensed lender with publicly disclosed company details. That does not make it cheap or low-risk.

14. Final conclusion

FinClick is a real Ukrainian online lender with a fast digital process, BankID support, clear repayment instructions, and card-based disbursement. Operationally, it is more competent than many thin loan sites.

Its main limitation is pricing structure. The public materials show that the service is not just “0.01% per day.” It is a commission-heavy product with a daily servicing charge, a likely one-time service commission, and harsh overdue terms. FinClick may suit a borrower with a genuine short-term emergency and strict repayment discipline. It is a poor fit for repeated budget gaps, casual borrowing, or anyone who ignores the full contract in favor of the promo headline.

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